Just buy your device with an AMEX and they cover your for pretty much everything in regards to your purchase up to the price you paid for your device. That's for an additional year out side of the manufacturer's warranty. But if you break it and Apple replaces/fixes your phone and charge your for it. You just file a claim and get back that money and you have up to the total cost to recover from them if needed.
Screw these paid insurance policies from stores and manufacturers. All rip offs.